The Summerlin uninsured/underinsured motorist lawyer at the law offices of Naqvi Injury Law has helped countless car accident victims navigate the car insurance process and seek damages for injuries following crashes in our state. Our legal team knows that when you are in a crash and suffer property damage, physical injuries, and psychological harm, you want to settle your claim, receive the compensation that you deserve, and move forward with your life.
Unfortunately, while you should be able to recover the money you need after a crash caused by another party, not all drivers carry insurance as required by Nevada law. When this is the case, turning to your own policy’s uninsured/underinsured motorist coverage may be your best option. For a free consultation to learn more, please contact our Summerlin uninsured/underinsured motorist lawyer today online or by phone.
Nevada is an at-fault car insurance state, also referred to a tort liability state. This means that drivers in the state of Nevada are responsible for paying for damages resulting from accidents that they cause, and that they are required to carry liability insurance so that they do not have to pay for these damages out-of-pocket, and to ensure that an injured party recovers the compensation they need.
The Nevada Department of Insurance requires that drivers carry insurance in the following minimum amounts:
These are the minimum amounts. Drivers are able – and often encouraged – to purchase higher coverage amounts, as well as different types of coverage. Other insurance coverage options that a driver may purchase include collision coverage, which pays for damages to a vehicle caused in a crash, regardless of fault; comprehensive coverage, which pays for damages resulting from fire, theft, or natural causes; uninsured/underinsured motorist coverage (UM/UIM), which pays for harm caused to you or your passengers when an at-fault driver does not have coverage or does not have sufficient coverage to pay for your injuries; and medical payments (Medpay), which pays for medical treatments in a crash regardless of fault.
When a crash occurs, determining fault is essential, because it is the insurance company of the at-fault driver that is responsible for paying for losses. However, if the at-fault driver does not have insurance, the not-at-fault party should file a claim with their own policy’s UM/UIM coverage or/and Medpay coverage.
Despite the fact that neither of these insurance types is required under Nevada law, they are both critical, and should be purchased by all drivers. If you are in a crash caused by an uninsured driver and you do not have UM/UIM coverage or Medpay coverage, recovering compensation for your injuries may be very difficult to do.
Learning that the driver that caused your crash does not have insurance can cause a lot of anxiety, stress, and worry about how you will recover compensation for your harm, especially if your injuries and losses are serious. When you contact our law offices, we will get to work immediately, which includes:
We also provide you with legal support throughout the entire claims process, answering any questions that you have about recovering compensation, liability, how insurance companies work, what happens when a settlement cannot be reached, and more.
Being involved in a crash is a terrifying experience in itself. Learning that that driver who hit you is uninsured and therefore has no way of paying for your injuries can make a car accident that much worse. If you are involved in a crash with an uninsured motorist, you need a talented Summerlin uninsured/underinsured motorist lawyer on your side who is willing to fight for you and help you recover a settlement.
You can schedule your free, no obligation consultation with our law firm by calling our offices directly today, or by writing us a message online. We will reply to your inquiry as quickly as possible to help you start on the road to recovery.